Call reports 2002
FIRST LOCKHART BANK — 2002
What FIRST LOCKHART BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 105,165,000 | 105,611,000 | 106,097,000 | 106,752,000 |
| Total loans | 68,742,000 | 71,491,000 | 72,978,000 | 70,197,000 |
| Allowance for loan losses | 754,000 | 801,000 | 874,000 | 845,000 |
| Securities available for sale | 19,002,000 | 20,594,000 | 18,506,000 | 17,005,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,250,000 | 93,222,000 | 93,172,000 | 94,838,000 |
| Interest-bearing deposits | 74,709,000 | 75,126,000 | 74,611,000 | 76,670,000 |
| Noninterest-bearing deposits | 18,541,000 | 18,096,000 | 18,561,000 | 18,168,000 |
| Equity capital | 11,544,000 | 11,873,000 | 12,250,000 | 11,611,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,616,000 | 3,203,000 | 4,813,000 | 6,340,000 |
| Interest expense | 497,000 | 926,000 | 1,322,000 | 1,682,000 |
| Net interest income | 1,119,000 | 2,277,000 | 3,491,000 | 4,658,000 |
| Noninterest income | 247,000 | 566,000 | 854,000 | 1,135,000 |
| Noninterest expense | 925,000 | 1,839,000 | 2,797,000 | 3,765,000 |
| Provision for loan losses | 75,000 | 150,000 | 275,000 | 400,000 |
| Pretax income | 366,000 | 854,000 | 1,273,000 | 1,628,000 |
| Income tax | 104,000 | 232,000 | 345,000 | 439,000 |
| Net income | 262,000 | 622,000 | 928,000 | 1,189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,446,000 | 11,655,000 | 11,948,000 | 11,332,000 |
| Total capital | 12,200,000 | 12,456,000 | 12,822,000 | 12,177,000 |
| Risk-weighted assets | 71,460,000 | 73,457,000 | 75,337,000 | 73,566,000 |